I'm saving to buy my first property, with a target of $100k cash in the bank. My current forecast has me hitting this goal in April of 2016, just over 13 months from now.

Financials:~$55k that I will receive in the next few months~$7k in savings currently (just finished off student loans)~$2.5k/mo savings rate~$8k Bonus expected in December

I am not dead set on buying something IN April, but I want to have the cash ready to go so I can start looking.

My predicament is that I'm keeping my house fund in a 0.99% Interest Savings Account, but I if the market were to take a downturn I would be stuck saving for a longer period of time.

Am I better off just continuing to sock money away into the savings account, or should I look into some Vanguard funds? TBH I hope the market tanks so that I can swoop in on a house, but I don't think that will happen in the next year.